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All Journal JEB17 : Jurnal Ekonomi dan Bisnis Jurnal Ekonomika dan Bisnis Islam JDEP (Jurnal Dinamika Ekonomi Pembangunan) International Journal of Business and Quality Research CITACONOMIA : Economic and Business Studies
Mustofa, Muhammad Ali
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PENDAPATAN USAHA MIKRO KECIL DAN MENENGAH DI KELURAHAN BUBUTAN KOTA SURABAYA Mustofa, Muhammad Ali; Arief, Sjamsul
JEB17 : Jurnal Ekonomi dan Bisnis Vol 6 No 1 (2021)
Publisher : Fakultas Ekonomi Universitas 17 Agustus 1945 Surabaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30996/jeb17.v6i1.5756

Abstract

Micro, small and medium enterprises (MSMEs) are business activities that can expand job opportunities and provide various kinds of economic services to the community, as well as play a role in equitable distribution and increase in community income, encourage economic growth and achieve national economic stability. There are many types of businesses that can be carried out, both in the food, beverage and other sectors. The role of Micro, Small and Medium Enterprises (MSMEs) in the national economy is very large. The economic crisis that was preceded by the monetary crisis that occurred in Indonesia showed that MSMEs were relatively more resilient in facing this crisis, than large-scale businesses which often went bankrupt. The income of traders is influenced by various factors. This study uses the following variables: capital, labor and length of business. This study aims to determine the effect of capital, labor and duration of business for the income of micro, small and medium enterprises in Bubutan Village.     Methods. Primary data collection was carried out by stratified random sampling method. The study took 30 respondents as samples. The analysis uses multiple linear regression with income as the dependent variable and three independent variables, namely capital (X1), labor (X2) and length of business (X3). The results of the classic assumption of deviations show that the data is normally distributed and there are no deviations. Based on the calculation of SPSS 25, the F value is 6,368 with ? significance of 0.002b. By using a significance of 0.05 obtained F Table (4. 9), then the value of F (6.368)> F Table (4. 9) or the significance of F of 0.002b indicates less than 0.05 so it can be concluded that the four independent variables namely capital (X1), labor (X2) and length of business (X3) together affect the amount of income received by micro, small and medium enterprises in Bubutan Village. Partly, with the variable initials capital (X1), labor (X2) and length of work (X3).
PERSEPSI MASYARAKAT DALAM KEBIJAKAN MERGER BANK SYARIAH INDONESIA STUDI KASUS KABUPATEN TEGAL Mustofa, Muhammad Ali; Jannah, Mulyani Fatekhatul; Zaman, Malik Ibnu
Jurnal Ekonomika dan Bisnis Islam Vol 5 No 1 (2022): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (652.918 KB) | DOI: 10.26740/jekobi.v5n2.p207-216

Abstract

A low share of the Islamic banking market of 6.01% has led the government to take the initiative to conduct a Syariah bank merger to increase the growth and development of Indonesian Islamic banking as well as drive perceptions in the public that can encourage potential advancement in banking sharia in Indonesia that has not been achieved. This study aims to analyze the perceptions of the people in Tegal Regency towards the BSI merger from the aspects of potential, preference, and religiosity. This research used a type of descriptive quantitative research with an explanatory research approach. The population in this study was all people in Tegal Regency. The sampling technique was carried out using the convenience sampling technique through primary data from as many as 100 respondents. Methods of data analysis using multiple linear regression analysis. The t-test results showed that the potential variable partially had no significant effect on perceptions in the BSI merger, while preference and religiosity partially had a significant effect on public perceptions. The results of the F test show that potential, preference, and religiosity simultaneously influence people's perceptions. From the results of the study, it can be concluded that the hypothesis is accepted.
Perlindungan Hukum Nasabah Penyimpan pada Bank yang Dinyatakan Pailit dalam Perspektif UU Kepailitan dan UU Penjaminan Simpanan Mustofa, Muhammad Ali; Mahfudlon; Ibraim Aji; Dian Wibowo; Edi Mulyadi
CITACONOMIA : Economic and Business Studies Vol. 5 No. 01 (2026): Januari-Maret
Publisher : CITACONOMIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/citaconomia.v5i01.2805

Abstract

Penelitian ini mengkaji perlindungan hukum nasabah penyimpan pada bank yang dinyatakan pailit dalam kerangka UU Kepailitan dan UU Lembaga Penjamin Simpanan (LPS). Menggunakan metode penelitian hukum normatif dengan pendekatan kajian literatur, penelitian ini mengidentifikasi adanya konflik norma terkait status nasabah. Dalam UU Kepailitan, nasabah diklasifikasikan sebagai kreditur konkuren, yang menempatkan mereka pada risiko tinggi dalam distribusi aset. Sebaliknya, UU LPS memberikan perlindungan eksplisit melalui skema penjaminan dengan batas nominal tertentu. Namun, ketidakpastian hukum tetap terjadi bagi simpanan yang melebihi limit penjaminan serta simpanan yang dikategorikan "tidak layak bayar." Temuan penelitian menunjukkan bahwa perlindungan saat ini lebih bersifat administratif ketimbang prioritas yuridis. Untuk menjamin stabilitas perbankan dan kepastian hukum, paper ini mengusulkan pengadopsian konsep depository preference guna mengangkat posisi nasabah menjadi kreditur preferen, serta sinkronisasi peran yang lebih baik antara OJK, LPS, dan Pengadilan Niaga.
Monetary Variables and Dilemating of Misery Index: A Time Series Analysis Evidence in Indonesia Mustofa, Muhammad Ali; Amalya, Rizky; Purwanti, Desi Ayu; Asmorowati
JDEP (Jurnal Dinamika Ekonomi Pembangunan) Vol. 9 No. 1 (2026): JDEP (Jurnal Dinamika Ekonomi Pembangunan)
Publisher : UPN "Veteran" Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33005/jdep.v9i1.648

Abstract

The Misery Index captures economic hardship through unemployment and inflation, making it a key indicator of how economic shifts affect society. The study aims to analyze the relationship between monetary variables such as interest rates, money supply, and exchange rates, and the misery index. The originality of this research lies in its focus on the misery index as a comprehensive indicator of macroeconomic well-being, rather than analyzing inflation and unemployment separately. The data were obtained from Indonesia’s Central Bureau of Statistics and Bank Indonesia, covering a quarterly period. The method used is the Vector Error Correction Model (VECM). The study finds evidence of both long-term and short-term relationships between monetary variables and the misery index. The implications of these findings highlight that exchange rate stabilization and prudent monetary management can play a crucial role in mitigating economic hardship in Indonesia.
The Impact Of ESG (Environmental, Social, And Governance) Regulations On Corporate Legal Liability Untari, Dhian Tyas; Zulfikar , Pandri; Maulana, Firman; Syarif, Ahmad; Ardini, Nyayu Maya; Agus, Andi Adri; Putri, Cory Kartika; Nurhadi, Ahmad; Maulana, Wachid; Sudhana, Hari; Susi , Agustine; Mustofa, Muhammad Ali; Ferdiansyah, Dony; Mahfudlon; Ilman, La; M. Umar Kelibia; Zainal, Toyib; Aji, Ibrahim; Afifah, Yasfika Ely Nur; Setiyawan, Agus Eko
CITACONOMIA : Economic and Business Studies Vol. 5 No. 02 (2026): April - Juni
Publisher : CITACONOMIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/citaconomia.v5i02.3194

Abstract

This study examines the influence of Environmental, Social, and Governance (ESG) regulations on corporate legal liability within the evolving framework of modern business law. As global business practices shift toward sustainability and accountability, ESG has transformed from a voluntary guideline into a mandatory regulatory standard that shapes corporate behavior. This research employs a qualitative and normative approach by analyzing relevant legal frameworks, scholarly literature, and case studies to explore how ESG regulations affect corporate responsibility. The findings indicate that ESG regulations significantly expand the scope of corporate legal liability beyond traditional financial obligations to include environmental protection, social responsibility, and governance transparency. Companies are increasingly held accountable through civil, criminal, and administrative sanctions for non-compliance with ESG-related standards. The study also highlights that effective ESG implementation can serve as a preventive mechanism, reducing legal risks and enhancing corporate governance. However, challenges remain, particularly in terms of regulatory harmonization, enforcement mechanisms, and varying levels of compliance across jurisdictions. This research concludes that ESG regulations play a critical role in strengthening corporate accountability and promoting sustainable business practices. Integrating ESG into corporate legal frameworks is essential for balancing economic objectives with social and environmental responsibilities in the long term.
The Relationship Between Business Licensing and Public Service Effectiveness: A Study on MSMEs in the Service Sector Mulyati, Agustine Susi; Zulfikar, Pandri; Ferdiansyah, Donny; Mustofa, Muhammad Ali; Zainal, Toyib; Majuri, Majuri
International Journal of Business and Quality Research Vol. 4 No. 02 (2026): International Journal of Business and Quality Research (IJBQR)
Publisher : Citakonsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijbqr.v4i02.3389

Abstract

This study examines the relationship between business licensing and the effectiveness of public services, focusing on Micro, Small, and Medium Enterprises (MSMEs) in the service sector. The research is grounded in the transformation of licensing systems from conventional bureaucratic procedures to digital, risk-based approaches such as the Online Single Submission Risk-Based Approach (OSS-RBA). Using a qualitative descriptive method based on literature review, this study analyzes how licensing reforms influence efficiency, accessibility, transparency, and user satisfaction in public service delivery. The findings indicate that digital licensing systems significantly improve service effectiveness by simplifying procedures, reducing processing time, and enhancing transparency. However, challenges such as limited digital literacy, technological constraints, and institutional coordination issues still hinder optimal implementation. The study concludes that while licensing reform has a positive impact on public service effectiveness, its success depends on supporting factors including human resource capacity, infrastructure readiness, and policy consistency. This research contributes to the discourse on governance reform and MSME empowerment in developing economies. Keywords: Business licensing; Public service effectiveness; MSMEs; Digital governance
Co-Authors Afifah, Yasfika Ely Nur Agus, Andi Adri Ahmad Syarif AJI, IBRAHIM Amalya, Rizky Ardini, Nyayu Maya Asmorowati Dian Wibowo Edi Mulyadi Ferdiansyah, Donny Ferdiansyah, Dony Firman Maulana, Firman Ibraim Aji Ilman, La Jannah, Mulyani Fatekhatul M. Umar Kelibia Mahfudlon Majuri, Majuri Maulana, Wachid Mulyati, Agustine Susi Nurhadi, Ahmad Purwanti, Desi Ayu Putri, Cory Kartika Setiyawan, Agus Eko Sjamsul Arief, Sjamsul Sudhana, Hari Susi , Agustine Untari, Dhian Tyas Zainal, Toyib Zaman, Malik Ibnu Zulfikar , Pandri Zulfikar, Pandri